Disability Insurance

Be Prepared with a Personally Insured Income Plan for Disability

Earning potential may be the single most vital asset you have. If something happens that disables you for any length of time, you need the security of knowing you will have financial support available when you need it most.

Individual disability insurance replaces the income you lose if you are unable to work because of an accident or illness.

What Is Disability?

Understanding what will make you eligible for disability insurance is the most important feature of your policy.

Typically, a condition of disability is defined in the insurance industry as:

When injury or illness renders you unable to perform essential duties of the occupation you have been working in or have trained for.

When you are unable to perform the important tasks in your regular line of work or find gainful employment in another occupation.

You can be eligible for disability income through your individual disability insurance plan.

Why Should You Consider Individual Disability Insurance?

Worker’s Compensation only covers work-related injury or illness.

Unemployment insurance may not cover the entire period of your recovery.

Canada Pension Plan takes 3 months to process an eligibility claim, and the disability must be severe and prolonged.

Your group disability benefits may be limited by the terms of eligibility and coverage amount, and ends when you leave your employer.

About Us

Garrett Group was founded in 1960 on honest, customer centered advice and not much has changed in nearly 60 years. Our commitment to service, integrity and educating our clients has garnered us a reputation we are proud of. Give us a call, we would love to learn more about you and what your business prides itself on.